Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: HEIDI ORME

We have saved $10,000s of dollars…

We have saved $10,000s of dollars thanks to you! You have been a money lifesaver. Thank you. We have had our Diesel dog’s insurance for almost 10 years and worth every penny!!!
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5

out of 5

POSTED: | BY: Danielle B

Super efficient claims process

Super efficient claims process
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1

out of 5

POSTED: | BY: Natalie

This "loyal member of their pack" was shafted

As a "loyal member of their pack," (their words, not mine) Embrace sent me my policy renewal with a 46% year over year increase in the premiums. We have made no claims. This is criminal. Over $1100/year for the bare minimum coverage. It is now more cost effective to put that money aside for the possibility of a bill. Sending anymore money to Embrace is akin to lighting my money on fire.
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5

out of 5

POSTED: | BY: Harout

Awesome

First off very fast response. Second is reimbursement for claim was fast
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4

out of 5

POSTED: | BY: Paola Villicaña

Super easy

Awesome! Quick and easy. Just don't take HTML files, but perfect other than that
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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